Spouse's accounts not shown in my credit report

Hi Macmillan

Welcome to the forums.

Each credit reporting agency maintains an individual credit file for each U.S. citizen. These agencies do not maintain combined files of individuals. Due to this, your spouse's accounts are not shown in your file. If you have joint credit accounts, it will be shown in the files of both of you.

To know the accounts' status of your spouse, please contact the credit bureau with her name and address. You will get details of her credit file.

Regards
Roxette